Compare all PC Financial credit cards. PC World Elite Mastercard, PC Mastercard, and the PC Insiders™ World Elite Mastercard reviewed and ranked.
The PC World Elite Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 30x on groceries and 10x at restaurants. Estimated first-year value is $420.
Annual Fee
$0
Rewards rate
10x
PC Optimum
Welcome Bonus
20,000 points
1st Year Value
$420
The PC World Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 20x on groceries and 10x at restaurants. Estimated first-year value is $426.
Annual Fee
$0
Rewards rate
10x
PC Optimum
Welcome Bonus
20,000 points
1st Year Value
$426
The PC Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 10x on groceries and 10x at restaurants. Estimated first-year value is $360.
Annual Fee
$0
Rewards rate
10x
PC Optimum
Welcome Bonus
20,000 points
1st Year Value
$360
The PC Insiders World Elite Mastercard offers a first year annual fee rebate (regular fee $120/yr). You earn 40x on groceries and 10x at restaurants. Estimated first-year value is $457.
Annual Fee
$120 $0
Rewards rate
10x
PC Optimum
Welcome Bonus
—
1st Year Value
$457
Complete Guide
Compare all PC Financial credit cards. PC World Elite Mastercard, PC Mastercard, and the PC Insiders™ World Elite Mastercard reviewed and ranked.
PC Financial (the financial services arm of Loblaw Companies) offers a small lineup of Mastercard credit cards built around the PC Optimum loyalty program. If you shop regularly at Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, or Esso, a PC Financial Mastercard accelerates your PC Optimum points earning dramatically.
The PC Insiders™ World Elite Mastercard and PC World Elite Mastercard earn the highest PC Optimum multipliers at participating Loblaw banner stores. The no-fee PC Mastercard is a solid entry-level option for occasional shoppers. All cards combine with PC Optimum's weekly personalized offers for additional points stacking.
PC Financial cards are best for Canadian households who consolidate groceries and pharmacy purchases at Loblaw-owned banners. Outside of that ecosystem, earn rates are average, so a PC card typically pairs well with a broader cashback or travel card.
4
Cards analyzed
May 2026
Last updated
100%
Independent
Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.
FAQ
The PC Insiders™ World Elite Mastercard is the top pick for active PC Optimum collectors, offering the highest points multipliers at Loblaw banner stores. The no-fee PC Mastercard is the best option if you want to avoid an annual fee.
The basic PC Mastercard has no annual fee. The PC World Elite Mastercard and PC Insiders™ World Elite Mastercard have higher income requirements but also no annual fee, making PC Financial one of the few issuers offering World Elite-tier cards with $0 fee.
PC Optimum points can be redeemed for groceries at any Loblaw banner store (Loblaws, No Frills, Maxi, Provigo, Real Canadian Superstore, Real Atlantic Superstore) and at Shoppers Drug Mart / Pharmaprix. 10,000 points = $10 off.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
